Ok I'll ask them that. Basically I've called tons of insurance companies and they all offer just actual cash value. I'm thinking I'll go with good Sam it's just that they are offering way more than everybody else and it seemed kinda too good to be true. Don't worry as much about my driving as I am defensive to the max.

Sent from my iPhone using Fiberglass RV

You are no doubt talking to primarily auto insurers. If you look up RV insurers, you will find the ones with full replacement coverage.

[QUOTE=CampyTime;523262]I would like to pose a question if all of you would be so kind to answer. The $206 per year I was quoted from good Sam is for full replacement comprehensive and collision with a $500 deductible.

But the collision is NOT no fault. They'll only give me replacement or repair if I cause the collision. If it's the other guy, then his insurance would cover and pay what his policy pays. Whatever that may be!

Is this the normal way policies for rvs are written? Should I dump this idea? After I thought to ask rep about the no fault or other driver collision thing, I started to wonder if this insurance was worth it. Of course I could be at fault in an accident, no doubt. But I am worried about the other guy more!

Thoughts and opinions very much appreciated!

What you are saying is surely not the case. Full replacement has nothing to do with whose fault, as far as I have seen anywhere. You are talking about the situation in general with regard to collisions, not a full replacement policy for an RV. What you are saying would mean that if someone hit and totaled your trailer, you should say that you, not the other party, are at fault! Surely a National General Insurance company (Good Sam's) did not say you had to be at fault for full replacement, did he? If you think so, I would call again and ask again about fault regarding full replacement.

Full replacement value doesn't necessarily mean someone needs to be at fault. (shudder here), but we seem to be having a whole bunch of creeps setting fires to dump trucks and motor vehicles in the Pacific NorthWET. Ten Forward is currently in a storage yard. If someone lobs moltov cocktails over the fence, $100,000's of damage could be done to the RVs parked there. Something to consider, when thinking "fault."

Hi, Wendy,
I want to confirm what you said, as I called an agent myself. An agent with Good Sam's insurance first incorrectly told me that it did not matter who caused a collision that totaled a trailer, in order to get full replacement. I had also seen a website say that it did not matter who caused the collision for you to get full replacement. That is incorrect apparently --- cannot be sure without more calls.

After I kept talking to her, I then asked her again. She said that it goes to the other person's insurance company and NGI would have nothing to do with it. The other party's insurance would pay. (That is the case with a car accident that does not involve a trailer also.) You would have to sue the other party for whatever their insurance did not pay.

What I not cover on it, that I would have to follow up on, is the situation where the other party has no insurance. In that case, you would be insured by NGI and I do not know what they would pay. NGI does not sell underinsured coverage, only uninsured.

Thank you very much for pointing this out, Wendy! There is so much wrong information out there and the agent even gave me the wrong answer so I guess we cannot ask about such things enough times. Since she has told me two different answers, I will then have to look into that some more to make sure which is correct. It looks as if they will not pay full replacement if another party is at fault.

I talked to a Good Sam agent who said that the full replacement is not lost if another party totals your trailer. He said that you would get the full replacement trailer and then your company (the one Good Sam uses for you which could be any of several) would subrogate, go after the other party's company for the money. I will take this to be correct until I know otherwise.

He also said that if you do not take the full replacement trailer in that case but want the cash instead, you would not get the cash value of full replacement but only the value of the trailer you had at that time.

Perhaps someone who is a member here and in insurance will come on here and confirm the full replacement situation some time.

I’m down to ten more days until I become a Scamp owner! Sometimes I thought the day would never come (and I still have my doubts). So now its time to be a responsible adult and arrange for insurance to cover my new camper.

I am an AARP member (yes, I have dabbled with being a responsible adult a few times), therefore I decided to check out RV insurance by AARP / Hartford. The AARP web site listed a local agent so I went to their office today for a quote. After asking me a bunch of personal questions, then last thing the interviewer wanted to know was the Vehicle Identification Number (VIN) for the camper. A quick call to Scamp revealed that even though the camper will be ready for me to drive away in ten days, they have not yet assigned the VIN. The interviewer said she could NOT give me a quote, or even rough estimate, without the VIN. So I was out the door. How dumb is that on their part?

So the moral of the first part of my story that you should be ready to provide a VIN when you go insurance shopping. If you don’t have one then you could find a similar trailer or vehicle listed for sale, or from an acquaintance, then after you get your quote you can tell them the VIN is not yours.

My next stop was my regular insurance agent (with a company that is modern but not progressive). He also wanted the VIN but was happy to figure out a way to get me a quote without that magical number. We talked about adding the camper to my home, auto and umbrella policy. Many people in this and other similar forums have recommended going with a company that specializes in insurance for recreational vehicles, and as I told my agent about my concerns and desires in a policy, he told me about the policy he chose for his own boat… not with his company, but with Progressive. He checked and got me a quote of about $371 from Progressive. That’s a good deal more than just adding it to my auto policy, but the coverage is much better; including full replacement and $300,000 of “vacation liability” (which is a big concern). I would also need to add about $35 more to my umbrella policy to have it act as back-up to the Progressive policy, but then I would have one million dollars in liability coverage. Its not likely to be needed but if it ever is, my pockets will not become shallow. I’m still shopping but when your agent, who works for the ***** Insurance Company, tells you that he choose Progressive for his own watercraft, that says something.

You can't compare insurance policies unless you include all details as to the coverage. Saying you pay $11 a month means nothing.
What you pay will depend on coverage, value of trailer, where you live and even what your credit rating is.

__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht

Vacation liability means that if during a camping trip or vacation, along the way if your trip is interrupted or cancelled due to break down or what have you, you will be reimbursed costs associated with the trip. In our case, this might mean reservation fees. It does not mean something comes up in your life, necessitating a cancellation of the trip, and the insurance company will refund you.

My trailer insurance covers full repairs or replacement cost of the trailer, $5,000 for contents, $3,000 for emergency lodging/meals, and any incidental costs like towing, etc. For $250/year, it is a great piece of mind.